So you can see we don’t have a house payment or a car payment, although we are thinking of getting a different vehicle this year, so that category may change.

Our current vehicle category includes insurance & registration for a motorcycle (B’s) and two snowmobiles. We’ve had such a lackluster winter these past couple years we might sell the snowmobiles.

Also we are putting a fair amount of money into home upgrades. We are considering selling our home and building. This just seems like a lot of work to me, but we would like to eventually live on a bit more land and have a bit smaller home.

In fact we are having the wood floors refinished this week. The home is about 20 years old and this has never been done. It’s overdue for some maintenance, I can’t wait to see the results! Later this month two rooms will be recarpeted, also overdue for that. Ahh, it feels so good to be able to have saved the money for these improvements and not to have to stress about these projects. We didn’t pick the highest grade carpet (we have a dog) but still quite nice. The salesperson gave us the option of opening a credit card where we would have to make monthly payments at 0% for one year. It was so nice to be able to say, “No Thank You.”